Under 3% mortgage rate available with assumable loan. Nestled among the tall pines of Payson, this single-level retreat offers the perfect blend of comfort and mountain charm. Featuring 3 bedrooms, 3 bathrooms, and 2,174 sq ft, the open-concept layout is ideal for both everyday living and entertaining. The kitchen shines with corian countertops, a spacious island, and breakfast bar seating. Enjoy natural light from skylights, a split floor plan for privacy, and a dedicated office/den for added flexibility. Step outside to a fenced, tree-lined backyard with room to relax or gather. Complete with a 2-car garage, no HOA, and a prime corner lot--this is your escape to cooler weather and peaceful living.